to: require banks to offer basic transaction accounts and to limit other fees to cost recovery; provide that transactions at a bank’s own-branded ATMs are free of charge; cap charges for the use of a bank’s ATMs by customers of another authorised deposit-taking institution (ADI); require ADIs to offer fixed interest gap loans and mortgages; cap mortgage and loan exit fees at cost recovery; and require uniform identification of exit fees in advertising and in mortgage and loan contracts.

to require Food Standards Australia New Zealand to develop and approve labelling standards to be used by food producers, manufacturers and distributors of food containing genetically modified material.

to require authorised deposit-taking institutions for a 24-month period to: not increase variable interest rate loans and mortgages by more than the Reserve Bank interest rate increases; and not decrease variable interest rate loans and mortgages by less than the Reserve Bank interest rate decreases.